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Are you considering plastic surgery but need some help with financing? Despite the popularity of cosmetic procedures, many surgeons will only allow their patients to pay in cash upfront.
With a plastic surgery loan, you can advance with your procedure, and comfortably pay off your loan in increments with a monthly payment. To learn more about the best plastic surgery loans, and how you can find a suitable plan for you, consider our comprehensive guide.
Upstart uses leading artificial intelligence techniques to make lending decisions based on additional variables such as income, education, and employment.
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000), NM ($5,100), OH ($6,000).
The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 24.74% and 60 monthly payments of $26.35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $15,808 including a $591 origination fee. APR is calculated based on 5-year rates offered in April 2022. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
While most loans through Upstart are unsecured, certain lenders may place a lien on other accounts you hold with the same institution. It is important to review your promissory note for these details before accepting your loan.
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
SoFi offers online personal loans that are ideal for people who want to borrow money at a low cost. You can use the loan for personal, family or household needs. Borrowers can't use the loan for real estate, business purposes, investments, purchase of securities, postsecondary education, or short-term bridge financing.
Fixed rates from 7.99% APR to 22.73% APR APR reflect the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi rate ranges are current as of 8/1/22 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
Upgrade personal loan features include minimal fees and multiple usages, including refinancing credit cards, debt consolidation, home improvement, and major purchases. However, you can’t use it for post-secondary education expenses, investment gambling, or illegal activities.
* Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.46%-35.97%. All personal loans have a 1.85% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.
A plastic surgery loan is a form of cosmetic surgery financing, which can be used for breast augmentation, liposuction, face lifts, and tummy tucks. The loan amount is determined by the type of procedure you want to have done, how much income you make, and your credit history.
Plastic surgery loans are designed to help people who want plastic surgery done but don’t have enough money saved. These loans let you borrow money from a bank or other lender and then use it as a down payment on your procedure. You pay back the loan over time, usually in monthly payments.
A plastic surgery loan is an alternative way to finance your surgery and help ensure you get the care you need. Here are some steps to take when applying for a plastic surgery loan:
Here are some reasons why you should consider getting a plastic surgery loan:
There are many benefits to financing your procedure with a plastic surgery loan, such as:
On the other hand, there can be some drawbacks to getting a plastic surgery loan, including:
The short answer is yes; plastic surgeons do offer payment plans. The long answer is that many variables go into whether or not a plastic surgeon will work with you on a payment plan. There are a variety of procedures and surgeries that can be performed, so it’s essential you decide on want you want to get done before attempting to talk about financing options.
Since plastic surgery is a costly procedure, it can be difficult to find a plastic surgeon that is willing to work out a financial plan where you make payments. However, if you’re persistent, there are some options out there but it will be slim pickings. Moreover, they may not be as experienced as other high-profile plastic surgeons so that can be risky too.
If you have bad credit at the moment, you can still be eligible for specific plastic surgery loans. These types of loans are designed for people with less-than-perfect credit. However, some lenders may require a co-signer or collateral to secure the loan, but if you have a good income and a steady job then there is little to worry about.
Most people in this type of situation are able to find a personal loan lender that is willing to work with them, but some are more flexible than others.
When choosing the best plastic surgery loan, remember to keep the following key factors in mind before finalizing your decision:
